Updated March 2026
State Requirements
North Dakota requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. The state also mandates $25,000 uninsured motorist bodily injury coverage and $25,000 underinsured motorist coverage. SR-22 filing is triggered by DUI convictions, driving without insurance, excessive violations within a specific period, or license suspensions for traffic offenses. High-risk drivers should understand that carrying only state minimums may be insufficient if a serious accident occurs while the SR-22 requirement is active.
North Dakota's 25/50/25 minimums are the legal floor for all drivers. For high-risk drivers with SR-22 requirements, these limits may not provide adequate protection if you cause a serious accident during your filing period—exceeding these limits could result in personal liability. North Dakota does not allow excluded drivers on policies with SR-22 filings, so all household members with licenses must be listed and rated.
SR-22 is a certificate of financial responsibility filed by your insurer with the North Dakota Department of Transportation, proving you carry at least minimum liability coverage. The filing itself costs $15–$50 depending on carrier, but the real expense is the elevated premium charged to high-risk drivers—typically 50–200% higher than standard rates. Not all carriers offer SR-22 filing in North Dakota; non-standard insurers like Progressive, The General, and state-licensed high-risk specialists are primary options.
North Dakota requires $25,000 per person uninsured motorist bodily injury coverage and equal underinsured limits. This protects you if hit by a driver without insurance or with insufficient coverage—a common scenario given that approximately 11% of North Dakota drivers are uninsured. High-risk drivers should consider maintaining these minimums even if trying to reduce costs, as your SR-22 requirement indicates prior violations that may limit your legal options if injured by another at-fault driver.
Covers non-collision damage like hail, animal strikes, and theft. North Dakota experiences frequent hail events and high deer collision rates, particularly in rural areas. While not required by law, lenders mandate comprehensive if you finance or lease your vehicle, and carriers offering SR-22 policies may require comp and collision to write coverage for high-risk profiles.
Pays for vehicle damage when you hit another car or object, regardless of fault. Non-standard carriers writing SR-22 policies for drivers with at-fault accidents may require collision coverage as a condition of the policy, even if your vehicle is older or paid off. Expect higher deductibles ($1,000–$2,500) on high-risk policies to offset carrier risk.
Cost Overview
High-risk auto insurance in North Dakota costs significantly more than standard policies due to violation history, SR-22 filing requirements, and limited carrier competition in the non-standard market. Drivers with DUIs face the steepest increases—typically 80–150% above standard rates—while those with minor violations or lapses may see 30–70% increases. Rates vary widely by location, with Fargo and Bismarck residents often paying higher premiums than rural drivers due to accident frequency and claims density.
State minimum 25/50/25 liability with SR-22 filing. Lowest legal coverage available for high-risk drivers but offers minimal protection if you cause another accident during your filing period.
Liability limits of 50/100/50 or 100/300/100 with SR-22 filing. Provides better asset protection and may be required by carriers for drivers with DUI or multiple at-fault accidents.
Liability, comprehensive, collision, and uninsured motorist with SR-22 filing. Required if you finance or lease a vehicle, and may be mandated by non-standard carriers writing policies for high-risk drivers with recent at-fault accidents.
- Type of violation: DUI convictions increase rates 80–150%, while minor speeding tickets or lapses add 20–50%
- SR-22 duration remaining: Rates may decrease slightly in years 2–3 of the requirement if no new violations occur
- Location: Fargo and Bismarck average 15–25% higher premiums than rural areas due to accident and theft rates
- Age and gender: Male drivers under 25 with SR-22 requirements face compounded rate increases of 100–200%
- Credit history: North Dakota allows credit-based insurance scoring, which can further elevate rates for high-risk drivers with poor credit
- Vehicle type: Newer or high-value vehicles require comprehensive and collision, increasing total premium cost by 40–80% over liability-only
Estimates based on available industry data for high-risk driver profiles and may not reflect current market conditions. Individual rates vary based on violation type, driving history, vehicle, and other factors.
What Affects Your Rate
- Type of violation: DUI convictions increase rates 80–150%, while minor speeding tickets or lapses add 20–50%
- SR-22 duration remaining: Rates may decrease slightly in years 2–3 of the requirement if no new violations occur
- Location: Fargo and Bismarck average 15–25% higher premiums than rural areas due to accident and theft rates
- Age and gender: Male drivers under 25 with SR-22 requirements face compounded rate increases of 100–200%
- Credit history: North Dakota allows credit-based insurance scoring, which can further elevate rates for high-risk drivers with poor credit
- Vehicle type: Newer or high-value vehicles require comprehensive and collision, increasing total premium cost by 40–80% over liability-only
Compare Auto Insurance Rates in North Dakota
Coverage Options
Certificate filed by your insurer proving continuous liability coverage to the North Dakota DOT. Required for DUI, uninsured driving, or license suspension. The filing itself costs $15–$50, but premiums increase significantly due to high-risk classification.
Covers injuries and property damage you cause to others. North Dakota's 25/50/25 minimums are low relative to medical costs and vehicle values—exceeding these limits in a serious accident can result in wage garnishment or asset seizure.
Protects you if hit by a driver without insurance. North Dakota requires $25,000 per person in uninsured motorist bodily injury coverage, matching the state liability minimum.
Policies designed for drivers with DUIs, suspensions, lapses, or multiple violations. Non-standard carriers accept higher risk but charge elevated premiums and may impose restrictions like higher deductibles or monthly payment requirements.
Covers hail, theft, vandalism, and animal strikes. North Dakota ranks among the top states for hail damage claims and deer collisions, particularly in rural counties.
Pays for damage to your vehicle in an accident, regardless of fault. Lenders require collision if you finance or lease, and many SR-22 carriers mandate it for high-risk drivers.
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Frequently Asked Questions
Sources
- North Dakota Department of Transportation - Driver License Division
- North Dakota Insurance Department - Consumer Resources
- North Dakota Century Code Title 39 - Motor Vehicles